Antecedents of E-Banking Services by Customers for the Selected Commercial Banks in Sylhet, Bangladesh
|
|
- Kerrie Fox
- 5 years ago
- Views:
Transcription
1 International Journal of Economics and Finance; Vol. 9, No. 1; 2017 ISSN X E-ISSN Published by Canadian Center of Science and Education Antecedents of E-Banking Services by Customers for the Selected Commercial Banks in Sylhet, Bangladesh Mohammad Zahed Hossain 1 1 Senior Lecturer, Department of Business Administration, Leading University, Sylhet Correspondence: Mohammad Zahed Hossain, Senior Lecturer, Department of Business Administration, Leading University, Sylhet. zahedbtc@gmail.com Received: October 29, 2016 Accepted: November 21, 2016 Online Published: December 14, 2016 doi: /ijef.v9n1p47 URL: Abstract This study is conducted to identify customers view regarding cost effectiveness, time savings and security of different types of e-banking products like online banking, ATM banking, internet banking, mobile banking and telephone banking. E-banking is the alternative delivery channels that banks adopted for providing efficient banking services through the help of internet, computers, mobile phone etc. Banks customers were considered as population and primary data were collected through questionnaire. Descriptive statistics and Chi-square test were used for analyzing the data. The results indicated that customers prefer ATM banking services most, next to follow mobile banking and online banking. The customers believed that all types of e-banking products save time and except telephone banking others types of e-banking products were d. Online banking and ATM banking services were not considered as cost effective. Analysis indicated no relationship between online banking and different demographic variables. ATM banking services was highly influenced by most of the demographic variables whereas internet banking, mobile banking and telephone banking influenced by few demographic variables i.e. age groups, education level, and monthly income. The results help banks to develop varieties of e-banking products and formulate strategies by considering the demographic characteristics of the customers. Customers expect more users friendly e-banking products along with diversify features and suggested to develop latest e-banking products like mobile apps based banking for ensuring long term customers relationship, attracting potential customers and keeping existing customers that may ensure consistent growth and profit as well. Keywords: E-banking, cost effective, alternative delivery channels, commercial banks 1. Introduction E-banking or electronic banking is the alternative way of providing banking services through electronic means i.e. pc, tab, telephone etc. with the help of internet. E-banking service offered as online banking, internet banking, telephone banking, sms banking, Automated Teller Machine (ATM) service etc. Customers can withdraw and deposit money at any branches of the respective bank where they maintain their account and they also can be informed about current status of their account through online banking services. Internet banking empowering customers to do transaction like fund transfer; utilities bill payments, mobile recharge, online purchase payments etc by themselves. ATM card enable customers withdraw money anytime from ATM booth as well as make payments for purchase. Through Mobile banking customers are able to do transactions their own. Transactions can be done by instructing bankers through telephone by the customers. Today customers chose bank (s) base on different types of e-banking services offered by banks for making their financial transactions. Through e-banking products banks able to provide customize services that create long term customer relationship. Electronic banking has become important weapon for competing with rivalries that ensure sustainable growth and profitability. Previous studies have identified that despite the attractiveness of electronic commerce for corporation, customers might be reluctant to utilize it (Riasi & Pourmiri, 2015). Peoples react differently to adoption of technology some think that it may save time by making task easier while others concern about its perspective risk (Dillon & Morris, 1996). Some developed countries introduced electronic banking through Automated Teller Machine (ATM) since 1980 then telephone banking was introduced in USA launched internet banking in 1995 (Sohail & Shanmugham, 2003). Technology adoption helps organizations to reach their customers more easily 47
2 (Lu et al., 2005; Winch & Joyce, 2006). Through electronic banking services banks are able to provide quality services and gain competitive advantage (Jayawardhena & Foley, 2000). E-Banking save customers time and they can access more services any time that are not available in the bank branches (Baraghani, 2007). Sankari et al. (2015) proved that trust and perceived ease of use has positive and significant impact on adoption of internet banking. Devi and Malarvizhi (2010) concluded that ATM is more popular which is most cost effective. Spaho and Ramaj (2014) found that education and income level were significantly related to the use of electronic banking services. Rotchanakitumnual and Mark (2003) indicated that security of the internet is a major factor inhibiting wider adoption. Hanafizadeh et al. (2014) after analyzing 165 articles suggested some research opportunities like in Asia internet banking adoption is affected by some specific regional factors along with that they also encouraged for studying the comparative effects of a broader set of descriptive variables as they impact internet banking adoption. Since electronic banking has different types of products like ATM banking, online banking, internet banking telephone banking and mobile banking but most of the previous works were conducted by considering only anyone of e-banking products. Very few comparative studies have been done to show association among demographic variables and different types of e-banking. Such types of work are not conducted in our country. This study emphasized to derive relationship for each types of electronic banking with different demographic variables. This study focused on the relationship among different demographic variables i.e. gender, age groups, education levels, income levels & occupations and various features of different types electronic banking products like online banking, ATM banking, internet banking, mobile banking and telephone banking. The objectives of this paper are to identify customers view regarding cost effectiveness, time savings and security of different types of e-banking products; to find association with clients demographic variables and cost effectiveness, time savings and security of different types of e-banking products like online banking, ATM banking, internet banking, mobile banking and telephone banking; to understand the views of customers to electronic banking compare to traditional banking and to understand customers responses to electronic banking based on awareness program. 2. Literature Review E-commerce literature has studied the phenomenon of e-banking from different perspectives. Some researcher analyzed the adoption and growth of e-banking, whilst others describe the challenges and benefits to be gained from e-banking services as far as the organization is concerned. Karimzadeh (2012) found that increased competition, changing business environments, globalization and the advancement of Information and Communications Technology are the important factors along with that have forced Banking and Financial services to change. Ridzwan1 et al. (2012) noticed that Innovativeness and Familiarity significantly influence users acceptance of e-banking in this urban district in Malaysia. Vishnoi et al. (2014) observed that people are aware of e-banking as they feel it has advantages like convenience and saves time but they also feel that factors like security and privacy, trust, familiarity and speed seems hurdle in the acceptance of e-banking. Singh (2014) said that customer can do multiple things from the comforts of home or office with e-banking - a one stop solution for all banking needs. They proposed top three critical success factors of e-banking, cost and promotion; security and privacy; ease of use. Dixit and Datta (2010) investigates many factors like security & privacy, trust, innovativeness, familiarity, awareness level increase the acceptance of e-banking services among Indian customers. Their finding shows that in spite of users security and privacy concern, adult customers are willing to adopt online banking if banks provide users necessary guidance. Khurshid (2014) showed that risk involved in e-banking is insignificant compared to its usefulness. Devi and Malarvizhi (2010) understand that the customers are satisfied with the quality of e-banking services. But they face technical as well as administrative and procedural problems. Karjaluoto et al. (2002) their finding depicts that bank managers can, by knowing the basic beliefs consumers hold about internet banking, create more effective customer communication, improve software and target prospects better concerning internet banking. There is wide agreement that internet banking will on the one hand have a great impact on the whole bank market, and on the other hand will be considered the most important retail banking delivery channel in the near future. Ismail and Osman (2012) identified eleven factors that affect the adoption of e-banking in Sudan. These factors include frequent breakdown of ATMs, inconvenient locations of ATMs and Electronic Points of Sale (EPOS), inaccessible internet, lack of means reporting technical problems, unclear legislations protecting e-transactions, slow banks response for correcting erroneous transactions, weak banks' role in raising clients awareness, unclear e-banking guidelines and instructions, frequent power cut offs, and high e-banking services' fees. Alam et al. (2010) present that banks perceive online banking as a powerful value-added tool to attract 48
3 and retain new customers while helping to eliminate costly paper handling and teller interactions. Online banking has managed to provide customers the convenience, efficiency, effectiveness, and most importantly, the speed needed in today s dynamic world. 3. Research Methodology The study was mainly based on primary data. A questionnaire including both open-ended and close-ended questions was used for collecting raw data. Population of this study was the existing clients of the different commercial banks in Sylhet, Bangladesh. 200 useful samples were collected from existing customers of different commercial banks out of 300, representing 66.67% response rate. Data were collected in Sylhet, and conveniences sampling technique was used. Factors included in this study were adopted from different published articles and determined by interview with bank executives. Data were analyzed through descriptive statistical tools and chi-square test. To measure the data five point Likert Scaling technique was used within the range of strongly disagree to strongly agree. Higher mean value indicates positive consent of the respondents on respective issues. The p-value less or equal to 0.05 indicates the association between demographic variables and features of different types of e-banking products. SPSS was used for conducting the analysis. 4. Results and Discussion The data analysis has been found out by the opinion of the respondents. While presenting, data charts and tables are used at relevant places. The demographic profile of the respondent is one of the factors that influence the adoption/non- adoption of technology based products and services. The demographic characteristics of the E- Banking users of the sample respondents are given below: Table 1. Profile of the respondents Gender Male Female Number Percentage of respondents Age(Years) 20 and less and above Number Percentage of respondents Education SSC/HHC and below Undergraduate Post Graduate M.phil And/or Ph.D. Number Percentage of respondents Occupation Businessman Professionals Self employed Service holder Students Number Percentage of respondents Monthly Income (TK.) 10,000 and less 10,001-20,000 20,001-50,000 50,001-1,00, and above Number Percentage of respondents * Self employed= dairy, poultry, building workers, mechanics. Others From Table 1, it was observed that among the respondents, 73% are males and the rest 27% are females. About 45% of the respondents were below 30 years of age and 32% were between 31 to 40 years of age. Majority 57% of the respondents have completed post graduates and 23% have completed graduate degree. Almost 60% respondents were service holders, 22.50% were businessmen. Around 50% of the respondents had monthly income between tk.20,000 - tk.50,000 and near about 25% had monthly income below tk.20,000. Table 2. Preferences for E-banking services E-Banking Services R-1 R-2 R-3 R-4 R-5 R-6 R-7 Total Scores ATM Mobile Banking Online Banking Internet Banking Tele Banking
4 From Table 2, it was observed that respondents were requested to give their preferences among E-banking services between rank 1 to rank 7 and scoring in opposite direction like rank 1 equal to score 7, rank 2 equal to score 6 and so on. Based on the score given by the respondents it was revealed that highest preferences given to ATM services score 1170, next preference was given to mobile banking with score 940 after that online banking is in third position with score 840. Respondents were reluctant to telephone phone banking having minimum score 560. These findings are same as the findings of Devi and Malarvizhi (2010). The most frequent usage of ATM compared with others types of e-banking services is supported by (Spaho & Ramaj, 2014; Mohamed & Mohammed, 2012; Izogo et al., 2012; Wan et al., 2005). Table 3. different E-banking products Online banking ATM banking Internet banking Mobile banking Tele banking Mean Std. Deviation From Table 3, it was observed that in respond to the cost effectiveness of different e-banking products respondents believed that they were paying more for ATM services compare to Online banking, Internet banking, Mobile banking, and Tele banking services. Among the different e-banking products respondents believed Mobile banking most cost effective, next to follow Internet banking, Tele banking, and Online bank. Findings differ from Devi and Malarvizhi (2010). Table 4. Customers response to the statement- E-banking products save times Online banking save time ATM banking save time Internet banking save time Mobile banking save time Tele banking save time Mean Std. Deviation From Table 4, it was observed that all most every respondent believed that all e-banking products save time. Among the various types of e-banking products respondents highly believed that ATM services enabled to save their times next online banking, mobile banking, internet banking and telephone banking. Since through all the e-banking products customers are able to do banking without physically visit to bank premises, waiting in line and paper work etc. so that e banking products are competent enough to save times. Table 5. Customer response regarding security and privacy issues of E-banking products Online banking is ATM banking is Internet banking is Mobile banking is Tele banking is Mean Std. Deviation From the Table 5, it was noticed that except telephone banking others e-banking products online, ATM, internet and mobile banking services were d. Respondents opined ATM services more d next to follow online banking, internet banking and mobile banking. Table 6. Chi Square results p-value for cost effectiveness of different types of e-banking services Age Gender Education Occupation Monthly Income Online Banking Chi-square value (df) (16) (4) (16) (16) (16) p-value ATM Banking Chi-square value (df) (16) (4) (16) (16) (16) p-value
5 Internet Banking Chi-square value (df) (16) (4) (16) (16) (16) p-value Mobile Banking Chi-square value (df) (16) (4) (16) (16) (16) p-value Telephone Banking Chi-square value (df) (16) (4) (16) (16) (16) p-value From Table 6, it was observed that the results of chi square test indicated significant association between the demographic variables and cost effectiveness of different e-banking products. From the analysis it is found that ATM banking has association with all democratic variables except occupation, internet banking showed association with different age groups, mobile banking has an strong association with education level and telephone banking indicated relation with age groups and relation with income level. Table 7. Chi Square results p-value for time savings of different types of e-banking services Age Gender Education Occupation Monthly Income Online Banking Chi-square value (df) (16) (4) (16) (16) (16) p-value ATM Banking Chi-square value (df) (12) (3) (12) (12) (12) p-value Internet Banking Chi-square value (df) (16) (4) (16) (16) (16) p-value Mobile Banking Chi-square value (df) (12) (3) (12) (12) (12) p-value Telephone Banking Chi-square value (df) (16) (4) (16) (16) (16) p-value From Table 7, it was observed that the results of chi square test indicated significant relation between the demographic variables and time savings benefit of different e-banking products. The result indicated relation between ATM banking and age, internet banking has association with age and education, mobile banking also showed relation with age and education, telephone banking has association with gender and income level. Table 8. Chi Square results p-value for security of different types of e-banking services Age Gender Education Occupation Monthly Income Online Banking Chi-square value (df) (16) (4) (16) (16) (16) p-value ATM Banking Chi-square value (df) (16) (4) (16) (16) (16) p-value Internet Banking Chi-square value (df) (16) (4) (16) (16) (16) p-value Mobile Banking Chi-square value (df) (16) (4) (16) (16) (16) p-value Telephone Banking Chi-square value (df) (16) (4) 14,551 (16) (16) (16) p-value
6 From the analysis of the Table 8, it was notice that security issue of ATM banking services has association with different age groups, education level and income level. Internet banking security issue showed strong relation with age groups and education level. Mobile banking security has relation with age groups. Telephone banking security indicated association with gender and income level. There were no association between demographic variables and online banking s cost effectiveness, time savings and security aspect. In Bangladesh all banks are providing online banking services because it is now become basic banking services along with that without online banking services bank can t provide others type of e-banking services. 4.1 Customers Response to the Statement- E-Banking Services Are Relatively Better than Traditional Manual Banking Table 9. Percentage of the respondents opinion Yes No Number of respondents Percentage of respondents From Table 9, it was observed that through e-banking customers are empowered to do some transactions like fund transfer, installment payments of loan/deposit, utilities bills payment etc. and they also can make request for check book and stop check payments etc. without visiting bank premises physically. Since e-banking services are prompt, less burdensome and offer different types of benefits about 72% respondents believe that e-banking services are better than traditional banking services. 4.2 Customers Response to the Question: Do You Think Banks Need to Take Various Types of Awareness Programs to Inform Customers about the Benefits of E-Banking Products? Table 10. Respondents opinions regarding awareness programs Yes No Number of respondents Percentage of respondents From Table 10, it was observed that maximum respondents, 86.50%, opined that banks need to adopt promotional activities for disseminating information regarding the benefits of different types of e-banking products since they were not informed about the benefits. 5. Conclusion E-Banking is the latest inclusion in banking transactions has opened up new window of opportunity to the banks and financial institutions. Data were analyzed through descriptive statistical analysis and chi-square test. All most every bank maintaining their own websites but all of them are not offering full fledges e-banking facilities in Bangladesh. Most of the e-banking users are young which indicates the bright prospects of e-banking services. Customers prefer ATM service most although they perceived that ATM service is not cost effective. All the respondents unanimously believe that e-banking products save time. Respondents also have positive views regarding security of e-banking products except telephone banking. About all customers opined that e-banking services are better than traditional banking services. Analysis indicated no relation between online banking and different demographic variables. different types of e-banking products have shown the following association; ATM banking with most of the demographic variables, internet banking and mobile banking has strong association with different age groups and education levels respectively; telephone banking has association with age groups and income level. In case of time savings of different e-banking products following relations have found ATM banking with occupation, both internet banking and mobile banking with age groups and education level and mobile banking with gender & income level. Security of internet banking has strong association with age groups and education level; ATM banking has association with age, education & income. Awareness program may increase e-banking users as they believe e-banking is better than traditional banking. Customers expect more users friendly e-banking products along with diversify features and they also suggested to develop latest e-banking products like mobile apps based banking for ensuring long term customers relationship, attracting potential customers and keeping existing 52
7 customers that may ensure consistent growth and profit as well. The findings of this study help banks to develop different types of e-banking products that can be able to meet the needs of the customers. The study findings are only suggestive since those findings rely solely on the use of questionnaires that might not capture the full nature and all the factors. Moreover, it might be difficult to generalize the findings of the present study given the shortness of the sample which was restricted to a very small number out of the total customers of different banks. Furthermore, there might be biased responses, and, therefore, might influence the findings and conclusions of the study. Limitations all the demographic factors that influence e banking may not cover. Data were collected from concentrated area rather entire country. In some cases Respondents were given their opinions without enjoying the services. Further research can be conducted to identify the factors that tempted potential users to adopt e-banking services such as: development of technology, changing lifestyle, essay access to internet, online payment facilities, social status, hazardous paper tasks in bank premises, queue in branches, risk of carrying cash, banks promotional activities. References Alam, N., Magboul, I. H. M., & Raman, M. (2010). Challenges Faced by Sudanese Banks in Implementing Online Banking: Bankers Perception. Journal of Internet Banking and Commerce, 15(2), 1-9. Baraghani, S. N. (2007). Factors Influencing the Adoption of Internet Banking (Unpublished Master s Thesis). Lulea university of Technology. Sweden. Retrieved from Devi, P. A., & Malarvizhi, V. (2010). Customers Perception of E-banking: Factor Analysis. IUP Journal of Management Research, 10(6), Dillon, A., & Morris, M. (1996). User acceptance of new information technology: theories and models. In M. Williams (Ed.), Annual Review of Information Science and Technology (Vol. 31, pp. 3-32). Medford NJ: Information Today. Retrieved from Dixit, N., & Datta, S. K. (2010). Acceptance of E-banking among Adult Customers: An Empirical Investigation in India. Journal of Internet Banking and Commerce, 15(2), Hanafizadeh, P., Keating, W. B., & Khedmatgozar, R. H. (2013). A systematic review of Internet banking adoption. Telematics and Informatics, 31(3), Ismail, M. A., & Osman, M. A. Y. (2012). Factors Influencing the Adoption of E-banking in Sudan: Perceptions of Retail Banking Clients. Journal of Internet Banking and Commerce, 17(3), Izogo, E. E., Nnaemeka, O. C., Onuoha, O. A., & Ezema, K. S. (2012). Impact of Demographic Variables on Consumers Adoption of E banking in Nigeria: An Empirical Investigation. European Journal of Business and Management, 4(17), Jayawardhena, C., & Foley, P. (2000). Changes in the banking sector The case of Internet banking in the UK. Journal of Internet research:electronic Networking Application and Policy, 10(1), Karimzadeh, M. (2012). Electronic Banking Challenges in India: An Empirical Investigation. Interdisciplinary Journal of Contemporary Research in Business, 4(2), Karjaluoto, H., Mattila, M., & Pento, T. (2002). Electronic banking in Finland: Consumer beliefs and reactions to a new delivery channel. Journal of Financial Services Marketing, 6(4), Khurshid, A., Rizwan, M., & Tasneem, E. (2014). Factors contributing towards adoption of E-banking in Pakistan. International Journal of Accounting and Financial Reporting, 4(02), ijafr.v4i Lu, H., Hsu, C., & Hsu, H. (2005). An empirical study of the effects of perceived risk upon intention to use online applications. Information Management & Computer Security, 13(2), Riasi, A., & Pourmiri, S. (2015). Effects of online marketing on Iranian ecotourism industry: Economic, 53
8 sociological, and cultural aspects. Management Science Letters, 5(10), Ridzwan1, I. U., Zain, N. A. M., Raizal, N. F., & Khamsan, N. S. (2012). Factors Affecting Users Acceptance of E-Banking in Damansara, Malaysia. International Proceedings of Economics Development and Research, 55(33), Rotchanakitumnual, S., & Mark, S. (2003). Barriers to Internet banking adoption: A qualitative study among corporate customers in Thailand. The International Journal of Bank Marketing, 21(6/7), Sankari, A., Ghazzawi, K., Danawi, S.,E., Nemar, S., E., & Arnaout, B. (2015). Factors affecting the adoption of internet Banking in lebanon. International Journal of Management (ijm), 6(3), Retrieved from Singh, M. (2014). Critical Success Factors in E-Banking: An Indian Perspective. International Research Journal of Management Science & Technology, 5(9), Sohail, M. S., & Shanmugham, B. (2003). E-banking and customer preferences in Malaysia: An empirical investigation. Information Sciences-Informatics and Computer Science. An international Journal, 150(3-4), Spaho, A., & Tedis, R. (2014). Electronic Banking in Albania: A Statistical Analysis. International Journal of Research in Business Management, 2(12), Vishnoi, S., Varma, S., & Thomas, G. (2014). A study of customers perception towards services of e banking (with special reference to gwalior city). Global Journal of Multidisciplinary Studies, 4(01), Wan, W. W. N., Luk, C. L., & Chow, C. W. C. (2005). Customers' adoption of banking channels in Hong Kong. International Journal of Bank Marketing, 23(3), Winch, G., & Joyce, P. (2006). Exploring the dynamics of building, and losing, consumer trust in B2C ebusiness. International Journal of Retails and Distribution Management, 34(7), Copyrights Copyright for this article is retained by the author(s), with first publication rights granted to the journal. This is an open-access article distributed under the terms and conditions of the Creative Commons Attribution license ( 54
Bankers Perception of Benefits, Risks and Technophobia Associated with Electronic Banking in Pakistan
Bankers Perception of Benefits, Risks and Technophobia Associated with Electronic Banking in Pakistan Abstract 1 The boom in the 3G and 4G internet subscribers in Pakistan is making businesses including
More informationCustomer perception towards E-Banking services: A study with reference to Vijaya bank, Mysuru city
WWJMRD 2016; 2(7): 38-42 www.wwjmrd.com Impact Factor MJIF: 4.25 e-issn: 2454-6615 Veena K.P Associate Professor, Dept. of Master of Business Administration (MBA), Visvesvaraya Technological University,
More informationA STUDY OF ATM USAGE IN BANKS IN LUCKNOW, KANPUR AND VARANASI
I.J.E.M.S., VOL.3(2) 212: 156-161 ISSN 2229-6X A STUDY OF ATM USAGE IN BANKS IN LUCKNOW, KANPUR AND VARANASI SHARIQ MOHAMMED & TANDON RAMESHWAR International Institute For Special Education (IISE), Lucknow-226
More informationNew trends of online banking in Sri Lanka
New trends of online banking in Sri Lanka K.C.L.Fernando 1 Abstract Expansion of broadband, 3G services and internet based services actively changed consumer behaviour in Sri Lankan customers. The purpose
More informationCustomer Satisfaction of E-Banking Services In Public Sector Banks, Chennai
Customer Satisfaction of E-Banking Services In Public Sector Banks, Chennai A.Devi Research Scholar, Bharathiar University, Coimbatore & Dr.G.P.Raman Research Guide and Supervisor, Bharathiar University
More informationAN EMPIRICAL STUDY ON CUSTOMER'S SATISFACTION OF ATM SERVICES IN BANGALORE CITY
International Journal of Research in Finance and Marketing(IJRFM) Available online at :http://euroasiapub.org/current.php?title=ijrfm, pp. 64~88 Thomson Reuters ID: L-5236-2015 AN EMPIRICAL STUDY ON CUSTOMER'S
More informationCustomer Adoption and Satisfaction on Internet Banking Services-An Analytical Study of Banks in Coimbatore City
International Journal of Multidisciplinary and Current Research ISSN: 2321-3124 Research Article Available at: http://ijmcr.com Customer Adoption and Satisfaction on Internet Banking Services-An Analytical
More informationInternational Journal of Innovative Research in Management Studies (IJIRMS) ISSN (Online): Volume 1 Issue 4 May 2016
A STUDY ON CUSTOMER PREFERENCE TOWARDS E-BANKING SERVICES OF PRIVATE BANKS IN MADURAI S.Srinidhi* Dr. Albin D Robert Lawrence** *II Year MBA Student, School of Management, SASTRA University, Thanjavur,
More informationInternet Experience & Trust helps in positive attitude towards Internet Banking
International Journal of Management, IT & Engineering Vol. 7 Issue 4, April 2017, ISSN: 2249-0558 Impact Factor: 7.119 Journal Homepage: Double-Blind Peer Reviewed Refereed Open Access International Journal
More informationFactors that Influence the Adoption of Online Banking Services in Sukkur
Factors that Influence the Adoption of Online Banking Services in Sukkur Author s Details (1) Munwwar Ali Kartio-Student (2) Ambreen Khaskheley (3) Faiz Muhammad Shaikh (4) Abdul Sattar Shah (1) PhD, Deptt:of
More informationInternet Banking: An Empirical Study of Customers Perception in NCR, India Dr. Fozia Faculty of Commerce, Aligarh Muslim University, Aligarh
DOI: 10.21276/sjbms Saudi Journal of Business and Management Studies Scholars Middle East Publishers Dubai, United Arab Emirates Website: http://scholarsmepub.com/ ISSN 2415-6663 (Print) ISSN 2415-6671
More informationA Publication of MotherhoOd University, Roorkee
A Publication of MotherhoOd University, Roorkee (Recognized by the UGC with the right to award degrees u/s 22(1) of the UGC act 1956 and established under Uttarakhand Government Act No. 05 of 2015) Motherhood
More informationCustomer Perception on E-Banking Service
Volume 8, Issue 4, October 2015 Customer Perception on E-Banking Service Dr. Uday Singh Rajput Asst. Professor, Dept. of Management Studies, Shri Ram Institute of Information Technology, Banmore Abstract
More informationCustomer Reasons To Opt Internet Banking With Reference To Syndicate Bank, Vijayawada City, Andhra Pradesh
IOSR Journal of Business and Management (IOSR-JBM) e-issn: 2278-487X, p-issn: 2319-7668. Volume 19, Issue 12. Ver. I (December. 2017), PP 08-13 www.iosrjournals.org Customer Reasons To Opt Internet Banking
More informationImpact of E-banking on customer satisfaction level : with special reference to Jabalpur (M.P.)
Impact of E-banking on customer satisfaction level : with special reference to Jabalpur (M.P.) Meghna Jain & Anil Kumar Dhagat *Research Scholar Rani DurgavatiVishwaVidyalaya, Jabalpur (M.P.) India meghnajain13@gmail.com
More informationA Study on Customer Satisfaction of HDFC Bank with Special Reference to Automated Teller Machine in Vapi Region
A Study on Customer Satisfaction of HDFC Bank with Special Reference to Automated Teller Machine in Vapi Region Dr. Keyur M. Nayak * Poonam P. Yadav** ABSTRACT This paper is an attempt to identify the
More informationDETERMINING ASSOCIATION BETWEEN AGE, OCCUPATION AND USAGE OF ONLINE BANKING SERVICES AMONG CUSTOMERS
Parikalpana - KIIT Journal of Management (December, 2017) 37 DETERMINING ASSOCIATION BETWEEN AGE, OCCUPATION AND USAGE OF ONLINE BANKING SERVICES AMONG CUSTOMERS ABSTRACT Hiteksha Joshi Upadhyay Assistant
More informationDr.Subba Rao Ebicherla, Assistant Professor Department of Management Studies, Baba Institute of Technology and Sciences, P.M. Palem, Visakhapatnam, AP
Dr.Subba Rao Ebicherla, Assistant Professor Department of Management Studies, Baba Institute of Technology and Sciences, P.M. Palem, Visakhapatnam, AP Internet Banking is a term used to describe banking
More informationAN ANALYSIS OF FUNCTIONAL / PSYCHOLOGICAL BARRIERS AND QUALITY OF E-BANKING / INTERNET BANKING
CHAPTER 5 AN ANALYSIS OF FUNCTIONAL / PSYCHOLOGICAL BARRIERS AND QUALITY OF E-BANKING / INTERNET BANKING 5.1 Introduction India is one of the leading countries in the world where e-banking / internet banking
More informationCustomer Satisfaction: A Comparative Study of Public and Private Sector Banks in Bangladesh
IOSR Journal of Business and Management (IOSR-JBM) e-issn: 2278-487X, p-issn: 2319-7668. Volume 20, Issue 1. Ver. I (January. 2018), PP 15-21 www.iosrjournals.org Customer Satisfaction: A Comparative Study
More informationRURAL CUSTOMERS USAGE ON SBI ATM SERVICES
RURAL CUSTOMERS USAGE ON SBI ATM SERVICES * Mrs. A. Karthikeyani & ** Dr.R.Gopi * Ph.D. (Full Time) Scholar, Government Arts College, Udumalpet. ** Assistant Professor of Commerce, Government Arts College,
More informationAutomated Teller Machine - A Study With Reference To Awareness And Satisfaction Of Customers
Automated Teller Machine - A Study With Reference To Awareness And Satisfaction Of Customers Dr Subramanian. S Professor of Finance, Dilla University, Ethiopia ABSTRACT In the liberalized, privatized and
More informationA STUDY OF THE PERCEPTION AND ACCEPTABILITY OF ELECTRONIC BANKING OF CUSTOMERS OF SELECTED BANKS
A STUDY OF THE PERCEPTION AND ACCEPTABILITY OF ELECTRONIC Dr. Navpreet Singh Sidhu* BANKING OF CUSTOMERS OF SELECTED BANKS Abstract: Perception is a process by which individuals organize and interpret
More informationTHE ADOPTION AND USE OF INTERNET BANKING BY MALAYSIAN CONSUMERS: AN EMPIRICAL INVESTIGATION
THE ADOPTION AND USE OF INTERNET BANKING BY MALAYSIAN CONSUMERS: AN EMPIRICAL INVESTIGATION Chee Leong LIM Taylor s Business School, Taylor s College, Subang Jaya, Selangor. E-mail: lim.cheeleong@taylors.edu.my
More informationCustomers Assessment on ATM Services in Bangladesh
International Journal of Finance and Banking Research 2017; 3(3): 39-43 http://www.sciencepublishinggroup.com/j/ijfbr doi: 10.11648/j.ijfbr.20170303.11 ISSN: 2472-226X (Print); ISSN: 2472-2278 (Online)
More informationAn Analysis of Services Provided By the Banks through E-Banking in Rajasthan with Special Reference to Udaipur City
An Analysis of Services Provided By the Banks through E-Banking in Rajasthan with Special Reference to Udaipur City 1 Meena Meghwal, 2 Dr. Ashok Nagar 1 Research Scholar, 2 Professor (Department of Banking
More informationCurrent Status of Mobile Banking Services in Jordan
World Applied Sciences Journal 34 (7): 931-935, 2016 ISSN 1818-4952 IDOSI Publications, 2016 DOI: 10.5829/idosi.wasj.2016.34.7.153 Current Status of Mobile Banking Services in Jordan Malik Khlaif Gharaibeh
More informationThe influence of core banking system in Punjab national bank: A study of customers feed back in Mysuru City
International Journal of Commerce and Management Research ISSN: 2455-1627, Impact Factor: RJIF 5.22 www.managejournal.com Volume 3; Issue 5; May 2017; Page No. 63-67 The influence of core banking system
More informationChallenges of New Generation Bank in Providing E-Banking Service to the Customers in Cuddalore District C.C. Anitha Dr. P.Murugan
Challenges of New Generation Bank in Providing E-Banking Service to the Customers in Cuddalore District C.C. Anitha Dr. P.Murugan Department of Commerce, Research and Development Centre, Bharathiar University,
More informationDetermination of Service Quality Factors of Private Commercial Banks in Bangladesh
ASA University Review, Vol. 5 No. 2, July December, 2011 Determination of Service Quality Factors of Private Commercial Banks in Bangladesh Md. Ismail Haidar * Mohammad Saiful Islam ** Abstract The present
More informationA COMPARATIVE STUDY ON MOTIVES OF ONLINE AND OFFLINE BANKING CONSUMERS: A CASE STUDY OF UDAIPUR CITY
A COMPARATIVE STUDY ON MOTIVES OF ONLINE AND OFFLINE BANKING CONSUMERS: A CASE STUDY OF UDAIPUR CITY 1 Jitendra Charan, 2 Dr. Amit Sharma 1 Research Scholar, 2 Assistant Professor, Department of Management
More informationA COMPARATIVE STUDY ON SATISFACTION OF CUSTOMERS OF PUBLIC SECTOR AND PRIVATE SECTOR BANKS TOWARDS E BANKING IN TIRUNELVELI DISTRICT
Management A COMPARATIVE STUDY ON SATISFACTION OF CUSTOMERS OF PUBLIC SECTOR AND PRIVATE SECTOR BANKS TOWARDS E BANKING IN TIRUNELVELI DISTRICT K.Thanga Glara *1, Dr. C. Eugine Franco 2 *1 Assistant Professor
More informationA STUDY ON AWARENESS LEVEL OF MOBILE WALLETS SERVIVES AMONG MANAGEMENT STUDENTS
A STUDY ON AWARENESS LEVEL OF MOBILE WALLETS SERVIVES AMONG MANAGEMENT STUDENTS M. Manikandan, Research Scholar, Alagappa Institute of Management, Alagappa University, Karaikudi Dr. S. Chandramohan, Professor,
More informationPREVIEW OF Mobile Banking, Mobile Payments
Accurate Financial Data Since 1989 PREVIEW OF Mobile Banking, Mobile Payments What Consumers Value 2015 RateWatch Sales and Service: 1.800.348.1831 www.rate-watch.com Contents Introduction...4 1. Which
More informationAn Exploratory Study on E-Banking Services
Available online at http://www.ijasrd.org/in International Journal of Advanced Scientific Research & Development Vol. 03, Spl. Iss. 02, Ver. III, Sep 2016, pp. 346 352 e-issn: 2395-6089 p-issn: 2394-8906
More informationAnalysis of Problems Faced by Customers during Use of Internet Banking
Analysis of Problems Faced by Customers during Use of Internet Banking Prof. Sultan Singh 1, and Deepak Kumar Sharma 2 Chairperson, Department of Business Management, Chaudhary Devi Lal University, Sirsa
More informationMEASURING CUSTOMER SATISFACTION TOWARDS ATM SERVICES - A COMPARATIVE STUDY OF UNION BANK OF INDIA AND YES BANK
Volume 3, Issue 7 (July, 2014) Online ISSN-2277-1166 Published by: Abhinav Publication Abhinav National Monthly Refereed Journal of Research in MEASURING CUSTOMER SATISFACTION TOWARDS ATM SERVICES - A
More informationInsights into Motivating Internet Users towards Internet Banking
Journal of Internet Banking and Commerce An open access Internet journal (http://www.icommercecentral.com) Journal of Internet Banking and Commerce, April 2016, vol. 21, no. 2 Insights into Motivating
More informationRISK FACTORS AND SECURITY ISSUES INHERENT IN ONLINE BANKING
RISK FACTORS AND SECURITY ISSUES INHERENT IN ONLINE BANKING WITH REFERENCE TO THE GHAZIABAD REGION AUTHOR 1: MS. SAPNA KUMARI ASSISTANT PROFESSOR ACHARYA VISHNU GUPT SUBHARTI INSTITUTE OF MANAGEMENT AND
More informationCOMMONWEALTH JOURNAL OF COMMERCE & MANAGEMENT RESEARCH MOBILE BANKING: AN EMPLOYEES PERSPECTIVE
MOBILE BANKING: AN EMPLOYEES PERSPECTIVE Mohsina Khan Ph.D. Scholar, Department of Banking and Business Economics, UCCMS, Mohan Lal Sukhadia University, Udaipur ABSTRACT Nowadays customers required more
More informationStudy of Customer Satisfaction: A Comparison of Public and Private Banks
Volume 6, Issue 6, December 2013 Study of Customer Satisfaction: A Comparison of Public and Private Banks Dr. Harinder Singh Gill* Saurabh Arora** *Associate Professor and Head, Deptt. Of Mgt. Studies
More informationInternational Journal of Innovative Research in Management Studies (IJIRMS) ISSN (Online): Volume 1 Issue 4 May 2016
A STUDY ON THE CUSTOMER OPINION ABOUT BANKING SERVICES WITH SPECIAL REFERENCE TO SBI, MAIN BRANCH, TRICHY J.Keerthana* *II Year MBA Student, School of Management, SASTRA University, Thanjavur, South India
More informationONLINE BANKING SERVICES AND CUSTOMER SATISFACTION: A COMPARATIVE STUDY OF PUBLIC AND PRIVATE BANKS IN UDAIPUR CITY
IMPACT: International Journal of Research in Business Management (IMPACT: IJRBM) ISSN(E): 2321-886X; ISSN(P): 2347-4572 Vol. 3, Issue7, Jul 2015, 1-6 Impact Journals ONLINE BANKING SERVICES AND CUSTOMER
More informationComparative Study of Promotional Strategies adopted by Public and Private Sector Banks in India
Comparative Study of Promotional Strategies adopted by Public and Private Sector Banks in India Author 1* & Author 2** *Affiliation. Address. E-mail, mobile no. ** Affiliation. Address. E-mail, mobile
More informationA Study On Impact Of Information Technology In Banking Sector With Reference To Southern Tamilnadu
International Conference on Inter Disciplinary Research in Engineering and Technology [ICIDRET] 17 International Conference on Inter Disciplinary Research in Engineering and Technology [ICIDRET] ISBN 978-81-929742-5-5
More informationCustomer Satisfaction Towards Services Provided by State Bank of India- A Study of Bhubaneswar City
2018 IJSRST Volume 4 Issue 5 Print ISSN: 2395-6011 Online ISSN: 2395-602X Themed Section: Science and Technology Customer Satisfaction Towards Services Provided by State Bank of India- A Study of Bhubaneswar
More informationRURAL CUSTOMERS AWARENESS AND SATISFACTION ON E- BANKING. Pollachi.
RURAL CUSTOMERS AWARENESS AND SATISFACTION ON E- BANKING S.LOGANAYAKI 1 M.KANAGAMANI 2 1 Assistant Professor, PG Department of Commerce with Computer Applications, NGM College, Pollachi. 2 Research Scholar,
More informationCustomer Satisfaction Survey on Mobile Financial Services of Dutch Bangla Bank Limited
ASA University Review, Vol. 12 No. 1, January June, 2018 Customer Satisfaction Survey on Mobile Financial Services of Dutch Bangla Bank Limited Afroza Parvin * Abstract At present banking sector is trying
More informationAcceptance, Experience and Satisfaction of Customers towards E-Banking Services
Volume-7, Issue-4, July-August 2017 International Journal of Engineering and Management Research Page Number: 457-461 Acceptance, Experience and Satisfaction of Customers towards E-Banking Services Gokul
More informationInternational Journal of Multidisciplinary Research and Modern Education (IJMRME) Impact Factor: 6.725, ISSN (Online):
A STUDY ON LEVEL OF SATISFACTION OF CUSTOMERS TOWARDS VARIOUS TECHNOLOGY USED IN PUBLIC SECTOR BANKS WITH REFERENCE TO COIMBATORE DISTRICT N. Jisha* & Dr. C. R. Karpagam** * Assistant Professor, School
More informationEmpirical Analysis of the Factors Affecting Online Buying Behaviour
DOI : 10.18843/ijms/v5i3(6)/08 DOIURL :http://dx.doi.org/10.18843/ijms/v5i3(6)/08 Empirical Analysis of the Factors Affecting Online Buying Behaviour Dr. Swati Sachdeva Khosla, Research Associate, UIAMS,
More informationInternational Journal of Advance Research in Computer Science and Management Studies
Volume 2, Issue 11, November 2014 ISSN: 2321 7782 (Online) International Journal of Advance Research in Computer Science and Management Studies Research Article / Survey Paper / Case Study Available online
More informationAn Analysis of Customer Perceptions on Services of Electronic Banking in Bangladesh
International Journal of Business and Management; Vol. 12, No. 1; 2017 ISSN 1833-3850 E-ISSN 1833-8119 Published by Canadian Center of Science and Education An Analysis of Customer Perceptions on Services
More informationReview of Literature Joseph M. et al (1999), Nath Ravi & Schrick Paul (2001), Zhou, L( 2004), Debashis and Mishra (2005),
Review of Literature The relevant literature relating to the topic is reviewed as under: Joseph M. et al (1999), the study investigates role of technology on Australian banking sector and 300 customers
More information[POM 8] CUSTOMER SATISFACTION ON BANK ISLAM SERVICES AMONG UUM STUDENTS
[POM 8] CUSTOMER SATISFACTION ON BANK ISLAM SERVICES AMONG UUM STUDENTS Baalaambika Vellasamy @ Veluraj 1, Noor Azimah Ab Manah 2, Siti Nursaratul Massitah Abd Aziz 3, Qamarul Abdul Razhim 4, Yong Jolene
More informationElectronic Interdisciplinary International Research Journal (EIIRJ)
Impact Factor 5. ISSN 2277721 CUSTUMERS PERCEPTION OF AUTOMATED TELLER MACHINES A STUDY ON ATM SERVICES OF INDIAN OVERSEAS BANK, PUDUKKOTTAI. DR. G. Deepa Assistant Professor of Commerce, P.G. and Research
More informationCustomer Satisfaction on Services of Private Sector Banks in Erode District of Tamilnadu
DOI : 10.18843/ijms/v5i2(7)/11 DOI URL :http://dx.doi.org/10.18843/ijms/v5i2(7)/11 Customer Satisfaction on Services of Private Sector Banks in Erode District of Tamilnadu Dr. K. Vasudevan, Assistant Professor
More informationCUSTOMERS ATTITUDE TOWARDS MOBILE PHONE NETWORKS SERVICE PROVIDERS IN SALEM DISTRICT
CUSTOMERS ATTITUDE TOWARDS MOBILE PHONE NETWORKS SERVICE PROVIDERS IN SALEM DISTRICT S. GNANALAKSHMI Assistant Professor, Department of Commerce, Jairam Arts and Science College, Salem -636 008. --------------------------------------------------------------------------------------------------------------------------------------------
More informationRIJS Volume 1, Issue 10 (October 2012) ISSN: A Journal of Radix International Educational and. Research Consortium RIJS
A Journal of Radix International Educational and Research Consortium RIJS RADIX INTERNATIONAL JOURNAL OF RESERCH IN SOCIAL SCIENCE AN EMPIRICAL ANALYSIS ON THE CUSTOMERS VIEWS ON INTERNET BANKING SERVICES
More informationPERCEIVED EASE OF USE, SECURITY AND PRIVACY OF MOBILE BANKING
PERCEIVED EASE OF USE, SECURITY AND PRIVACY OF MOBILE BANKING Rubiah Abu Bakar Najdah Abd Aziz Adida Muhammud Mazura Muda ABSTRACT The wide technologies enable people to connect and do the task wherever
More informationTEJAS Thiagarajar College Journal ISSN (Online): June2018, Vol 3(2), PP 30-42
A STUDY ON ATTITUDE AND PREFERENCES TOWARDS MOBILE BANKING SERVICES AMONG COLLEGE STUDENTS IN MADURAI CITY INTRODUCTION Dr.S.FATIMA ROSALINE MARY and R.HELDA FATIMA COLLEGE, MADURAI The world has become
More informationINFLUENCE FACTORS ON INTENTION TO USE MOBILE BANKING
INFLUENCE FACTORS ON INTENTION TO USE MOBILE BANKING 1 KYUNGTAG LEE, 2 JEONGWOO KIM, 3 MIJIN NOH 1,2 Yeungnam University, 3 Kyungpook National University E-mail: 1 mykr21@gmail.com, 3 yomydragon@naver.com,
More informationSUMMARY, FINDINGS, CONCLUSION AND SUGGESTIONS
SUMMARY, FINDINGS, CONCLUSION AND SUGGESTIONS Deepa Paul A study on the banking habits of the people of Kerala, Thesis. Department of Commerce and Management Studies, University of Calicut, 2012 Chapter
More informationPrimax International Journal of Commerce and Management Research
IMPACT OF TECHNOLOGY TRANSFORMATION ON JOB CONTENT WITH SPECIAL REFERENCE TO PUBLIC SECTOR BANKS IN NAGPUR CITY Priyanka Amlesh Deshmukh 1 Abstract Indian public sector banks have been going with tremendous
More informationInternational Journal of Multidisciplinary Research and Modern Education (IJMRME) ISSN (Online): (www.rdmodernresearch.
A STUDY ON CUSTOMER SATISFACTION TOWARDS SERVICE PROVIDED BY STATE BANK OF INDIA - WITH SPECIAL REFERENCE TO ERODE DISTRICT K. R. Sakthi Devi* & Dr. R. Eswaran** * Assistant Professor, PG & Research Department
More informationA Study on the Customer Awareness of E- Banking Services in Madurai City
A Study on the Customer Awareness of E- Banking Services in Madurai City 1 R. Nagaraj, 2 Dr. P. Jegatheeswari Research Scholar, Associate Professor Department of Management Studies 1 Madurai Kamaraj University,
More informationEMPLOYEES PERCEPTION ON ELECTRONIC CUSTOMER RELATIONSHIP MANAGEMENT IN BANKS: AN EMPIRICAL INVESTIGATION IN TAMILNADU
EMPLOYEES PERCEPTION ON ELECTRONIC CUSTOMER RELATIONSHIP MANAGEMENT IN BANKS: AN EMPIRICAL INVESTIGATION IN TAMILNADU S. Kavitha Associate Professor - MBA, Vivekanandha Institute of Information and Management
More informationADOPTION OF E-BANKING IN DIGITAL ERA
ADOPTION OF E-BANKING IN DIGITAL ERA *DR. A. KALAISELVI, Assistant Professor of Economics, PG and Research Department of Commerce with CA, Hindusthan College of Arts and Science, Coimbatore. TN INDIA **MRS.
More informationFactors Influencing Customers Acceptance of Internet Banking Services in Sudan
Factors Influencing Customers Acceptance of Internet Banking Services in Sudan Adam Haroun Omer Khater 1, Dr. Babikir Alfaki Almansour 2, Dr. Mohammed Hamad Mahmoud 3 ¹Nyala University, Faculty of Economic
More informationService Quality of Automated Teller Machine and Customer Satisfaction: A Case Study of State Bank of India, Patna (Bihar)
DOI : 10.18843/ijms/v5i4(5)/04 DOIURL :http://dx.doi.org/10.18843/ijms/v5i4(5)/04 Service Quality of Automated Teller Machine and Customer Satisfaction: A Case Study of State Bank of India, Patna (Bihar)
More informationA STUDY OF PERCEPTION OF YOUNG PEOPLE TOWARDS ONLINE SHOPPING IN PUNJAB
A STUDY OF PERCEPTION OF YOUNG PEOPLE TOWARDS ONLINE SHOPPING IN PUNJAB Pooja Kansra Assistant Professor School of Commerce and Economics Lovely Professional University, Phagwara Diksha Rajiva BBA(Hons)
More informationA Study on E-Banking Services at Perambalur District
A Study on E-Banking Services at Perambalur District N. Deepalakshmi (M.Com., M.Phil., M.B.A., M.F.M) Assistant Professor, Dept. of Commerce DhanalakshmiSrinivasan College of Arts and science for women
More informationScienceDirect. Understanding Customer Satisfaction of Internet Banking: A Case Study In Malacca
Available online at www.sciencedirect.com ScienceDirect Procedia Economics and Finance 37 ( 2016 ) 80 85 FIFTH INTERNATIONAL CONFERENCE ON MARKETING AND RETAILING (5TH INCOMaR) 2015 Understanding Customer
More informationA COMPARATIVE STUDY OF LEVEL OF CUSTOMER SATISFACTION IN SELECTED INDIAN BANKS WITH SPECIAL REFERENCE TO E-BANKING
A COMPARATIVE STUDY OF LEVEL OF CUSTOMER SATISFACTION IN SELECTED INDIAN BANKS WITH SPECIAL REFERENCE TO E-BANKING 1 Malav Shah, 2 Dr. Bhavin Bhatt 1 Ph.D. Scholar, 2 Professor of GLS College,, Ahmedabad
More informationThe Effect of the Consumers Innovativeness and Self-efficacy on Diffusion of Innovative Technology
, pp.234-238 http://dx.doi.org/10.14257/astl.2016.129.46 The Effect of the Consumers Innovativeness and Self-efficacy on Diffusion of Innovative Technology Hye-young Oh 1 1 Dept. of Computer Information
More informationA study on problems faced by bank employees related to bank automation in Malwa region of Punjab
A study on problems faced by bank employees related to bank Malwa region of Punjab Kamalpreet Singh & Rajinder Kumar Kapil Research Scholar, Guru Kashi University, Talwandi Sabo Professor, Guru Kashi University,
More informationInternational Business & Economics Research Journal December 2009 Volume 8, Number 12
Service Quality And Its Impact On Customer Satisfaction: An Empirical Evidence From The Pakistani Banking Sector Hummayoun Naeem, Foundation University Institute of Engineering and Management, Pakistan
More informationCustomers Preference Attributes in the Usage of Core Banking Services: An Empirical Investigation
Customers Preference Attributes in the Usage of Core Banking Services: An Empirical Investigation Repalle Giddaiah Research Scholar, Department of Commerce, School of Business studies, Central University
More informationIssues and Challenges of E- Technology Services in The Modern Commercial Banks
Issues and Challenges of E- Technology Services in The Modern Commercial Banks L. A. RAZIA FATHIMA 1, G. R. DAMODARAN 2 1 Assistant Professor, School of Commerce and International Business, Coimbatore,
More informationRecent Trends in Consumers Online Buying Behavior in Chennai.
Volume 119 No. 7 2018, 1211-1216 ISSN: 1311-8080 (printed version); ISSN: 1314-3395 (on-line version) url: http://www.ijpam.eu Recent Trends in Consumers Online Buying Behavior in Chennai. ijpam.eu Dr.V
More informationConsumer Perception Regarding Internet Banking Websites A Demographic Analysis
International Journal of Business and Management Invention ISSN (Online): 2319 8028, ISSN (Print): 2319 801X Volume 6 Issue 7 July. 2017 PP 01-12 Consumer Perception Regarding Internet Banking Websites
More informationSTUDY ON CUSTOMER SERVICE QUALITY OF COMMERCIAL BANKS IN CHENNAI CITY
STUDY ON CUSTOMER SERVICE QUALITY OF COMMERCIAL BANKS IN CHENNAI CITY Mrs. M.Rajalakshmi, Asst.Professor, Department of Management science, S.A. Engineering College, Chennai-77, Tamilnadu, India. ABSTRACT
More informationCustomers motivation to adopt digital banking: A case study of HDFC Bank in Kolkata
Customers motivation to adopt digital banking: A case study of HDFC Bank in Kolkata Dr. Surajit Ghosh Dastidar 1, Dr. Rajib Kumar Das 2 1 Faculty, Department of Marketing, Eastern Institute For Integrated
More informationPERCEPTION TOWARDS WOMEN LEADERSHIP IN BANGLADESH: A COMPARATIVE STUDY BETWEEN PUBLIC AND PRIVATE SECTOR
International Journal of Economics, Commerce and Management United Kingdom Vol. IV, Issue 11, November 2016 http://ijecm.co.uk/ ISSN 2348 0386 PERCEPTION TOWARDS WOMEN LEADERSHIP IN BANGLADESH: A COMPARATIVE
More informationAustralian Journal of Basic and Applied Sciences
AENSI Journals Australian Journal of Basic and Applied Sciences ISSN:1991-8178 Journal home page: www.ajbasweb.com Information And Communication Technology In Banking Operations (E-Banking): From The Perspective
More informationCustomer satisfaction on e-banking;a study with special reference to mayiladuthurai
MPRA Munich Personal RePEc Archive Customer satisfaction on e-banking;a study with special reference to mayiladuthurai J Swaminathan and A. Ananth A.V.C College of Engineering, India August 2010 Online
More informationAn Empirical Analysis of Adoption of Mobile Banking Services in Pune City: With Reference to Diffusion of Innovation Theory
An Empirical Analysis of Adoption of Mobile Banking Services in Pune City: With Reference to Diffusion of Innovation Theory Sonal Manohar Muluk MAEER's Maharashtra Institute of Technology, MBA Department,
More informationBANKING CHANNELS ADOPTION IN MALAYSIA: AN ANALYSIS. Labuan School of International Business and Finance, Universiti Malaysia Sabah
LJMS 2008, 2 Labuan e-journal of Muamalat and Society, Vol. 2, 2008, pp. 17-26 Labuan e-journal of Muamalat and Society BANKING CHANNELS ADOPTION IN MALAYSIA: AN ANALYSIS Rostinah Supinah a, Zuraidah Anis
More informationCUSTOMER PERCEPTION OF E-BANKING SERVICES BY THE SCHEDULED COMMERCIAL BANKS IN COIMBATORE CITY
CUSTOMER PERCEPTION OF E-BANKING SERVICES BY THE SCHEDULED COMMERCIAL BANKS IN COIMBATORE CITY ABSTRACT 1 Ms. K. Sumathi 2 Dr.G.Ravindran One sector that has undergone fundamental changes as a consequence
More informationLevel of Customer Satisfaction While Using Internet Banking: A Study of Anand City
Level of Customer Satisfaction While Using Internet Banking: A Study of Anand City Yashasvi Rajnikant Rajpara*, Komal D Mistry** Abstract A considerable growth of internet based services hase been observed
More informationVictor Lyimo Dev Jani August University of Dar es Salaam Business School 1
Victor Lyimo Dev Jani August 2016 2016-08-12 University of Dar es Salaam Business School 1 Background Rapid innovation and rising rivalries has revolutionized the services scenery, resulting in providers
More informationCustomer Awareness and Preference towards E-Banking Services of Banks (A Study of SBI)
Customer Awareness and Preference towards E-Banking Services of Banks (A Study of SBI) Miss. R. Elavarasi II Yr MBA Student, School of Management, SASTRA University, Thanjavur, South India Dr.S.T.Surulivel
More informationJournal of Internet Banking and Commerce
Journal of Internet Banking and Commerce An open access Internet journal (http://www.arraydev.com/commerce/jibc/) Journal of Internet Banking and Commerce, August 14, vol. 19, no. (http://www.arraydev.com/commerce/jibc/)
More informationA STUDY ON CONSUMER ATTITUDE TOWARDS E-BANKING IN VIRUDHUNAGAR. V.V. Vanniaperumal College for Women Virudhunagar, Tamil Nadu, India.
International Multidisciplinary Innovative Research Journal An International refereed e-journal - Arts Issue ISSN: 2456-4613 Volume- II (1) September 2017 ABSTRACT A STUDY ON CONSUMER ATTITUDE TOWARDS
More informationConsumer Awareness- The Role Of Banks
ISSN: 2278 0211 (Online) Consumer Awareness- The Role Of Banks Dr. S. Gayathry Assistant Professor, SRM B School, SRM University, Chennai, India Abstract: Services and facilities offered by the banks to
More informationAcceptance of E-banking among Adult Customers: An Empirical Investigation in Kashmir Region
Acceptance of E-banking among Adult Customers: An Empirical Investigation in Kashmir Region Er. Kaisar Rasheed Department of Commerce, University of Kashmir, Srinagar 190006 Email: - kaisar@uok.edu.in
More informationE-Banking: A Pioneering Service Approach in Commercial Banks in India
Volume 8, Issue 4, October 2015 E-Banking: A Pioneering Service Approach in Commercial Banks in India Pooja Research Scholar (SRF) Faculty of Commerce, Banaras Hindu University Abstract Demand for financial
More informationE-Banking - A Study on Awareness and Satisfaction of Customers with Reference to Commercial Bank of Ethiopia
E-Banking - A Study on Awareness and Satisfaction of Customers with Reference to Commercial Bank of Ethiopia Dr Subramanian. S Professor of Finance, Dilla University, Ethiopia ABSTRACT Electronic banking
More informationA STUDY ON UTILIZATION OF E-SERVICES OFFERED BY RETAIL BANKS IN BANGALORE CITY
A STUDY ON UTILIZATION OF E-SERVICES OFFERED BY RETAIL BANKS IN BANGALORE CITY VINCENT PAUL 1 & Dr. KARTHIGAI PRAKASAM 2 1 Faculty, Central Academics, Manipal Academy of Banking, Bangalore, Karnataka,
More informationTo study consumer awareness & perception towards usage of Mobile Banking Prof. Amit P. Wadhe 1 and Prof Shamrao Ghodke 2
To study consumer awareness & perception towards usage of Mobile Banking Prof. Amit P. Wadhe 1 and Prof Shamrao Ghodke 2 1,2 Global Institute of Management, Velhale, Sangamner ABSTRACT The major banks
More information